Commerce drivers can compare car insurance quotes with A1, a useful step in a city where vehicle theft runs far above the state average.
How Much Does Car Insurance Cost in Commerce?
Vehicle theft is the standout local factor, with about 29 thefts per thousand people in 2025 against a state average of about 3. That can push up the cost of comprehensive coverage, and your ZIP code, 90040, is an optional factor insurers may weigh alongside your driving record, mileage and experience.
| Factor | Commerce | California |
|---|---|---|
| Average commute | 27 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 | 28.6 | 3.2 |
| ZIP codes | 1 |
Why Commerce Drivers Compare Quotes With A1
Carriers weigh local theft risk and your own driving history differently, so the same driver can see quite different prices from one company to the next. Instead of calling each company, let A1 gather free quotes from several California carriers for you.
About Commerce, California
Commerce is an incorporated city in Los Angeles County with about 12,000 residents spread over roughly 6.5 square miles. It sits at about 141 feet of elevation in Southern California. Neighbors such as Bell, Bell Gardens, Maywood and Montebello are all within a few miles.
- County
- Los Angeles County
- Population
- 12,072 (Census est.)
- Major routes
- I-5, I-710
Driving in Commerce: What to Know
Commuters here average about 27 minutes, a bit under the state average of 29 minutes. About 73% drive alone, higher than the state figure of 67%, so most people rely on their own car every day. Only about 3% take public transit, and I-5 and I-710 run through or near the city. Since daily driving is the norm, mileage and commute length are worth reporting accurately when you get a quote.
State highways through or near Commerce:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Commerce
The nearest DMV office is Bell Gardens DMV at 6801 South Garfield Ave., Bell Gardens, CA 90201, about 1.7 miles away.
Nearest DMV: Bell Gardens
6801 South Garfield Ave., Bell Gardens, CA 90201
About 1.7 miles from Commerce
California Car Insurance Rules for Commerce Drivers
California's minimum liability limits are 30/60/15, which covers $30,000 per injured person, $60,000 per accident and $15,000 for property damage, but liability-only does not pay to fix or replace your own car. With theft this common in Commerce, comprehensive coverage is worth a close look, since it pays for theft, fire, flood and vandalism.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Commerce ZIP Codes and Nearby Areas
ZIP codes in Commerce:
Nearby cities and communities:
More About Commerce
Just southeast of downtown Los Angeles, Commerce is a small city with a big industrial history and some surprising landmarks. Here's what stands out:
- Citadel Outlets. A former tire factory with a dramatic Assyrian-inspired facade, now a shopping center you can spot from the 5 freeway.
- Commerce Casino. Open since the 1980s, it's one of the largest card rooms in the world and a longtime local landmark.
- A working city. Incorporated in 1960 and named for its business base, Commerce is lined with warehouses, rail yards and factories that help move goods across Southern California.
- Close to everything. Downtown LA, East LA and the Southeast cities are all minutes away, so great taquerias and neighborhood bakeries are never far.
Commerce Car Insurance FAQ
Does car theft in Commerce affect my insurance?
It can. Commerce police recorded about 29 vehicle thefts per thousand people in 2025, well above the state average of about 3, so comprehensive coverage matters here. Rates also depend on your driving record, mileage and experience.
Do I need comprehensive coverage if my car is older?
Comprehensive is the coverage that pays if your car is stolen, and liability-only will not. Given local theft levels, weigh what it would cost you to replace the car against the added premium.
How can I get a lower rate in Commerce?
Start with a clean record, since qualifying good drivers get at least a 20% Good Driver Discount. Then let A1 compare quotes from multiple California carriers, by phone, text or the online form.